In a nutshell,

If the price decreases during Stable Pay transaction lifecycle, all the loss is refunded from the self-funding, self-governing Xank Reserve. If the price increases then the receiver receives fewer Xank coins, but their fiat equivalent is still equal to that sent by the sender, and the difference is paid into the Xank Reserve. We are using the SDR peg only during the buy, sell, and settlement period, which we call a “transaction lifecycle.”

Xank price will be free floating and determined by the market forces of supply and demand. Xank is the only stablecoin that retains investment potential that is decoupled from a fiat value.